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Mortgages for NHS staff

We are a team of fully qualified mortgage experts who specialise in finding great mortgages for NHS staff and other medical professionals.

Finding the right mortgage lender and best rates can sometimes be extremely confusing and especially if you have a busy job. There are also some benefits and rewards that can be available to NHS staff or key workers.

There are many different job roles in the NHS and a wide range of career types so mortgages for NHS staff can be extremely varied.

It’s important to speak to a qualified mortgage expert who has experience in dealing with medical professionals.

The NHS employs over 1.5 million people in the UK, ranging from administrational staff to doctors and surgeons. There are also many different types of employment when working with the NHS that can be full time permanent roles to contract workers.

When you apply for a mortgage, your application will be assessed based on your employment type and your job role.

Your mortgage lender will ask questions like:

  • What is your occupation?
  • How long have you been employed for?
  • What is your employment type?
  • How much do you earn? What is your annual salary?

Your occupation and income are two of the most important elements to any mortgage application. Most NHS workers will be employed and be paid on PAYE basis which means that they should have no major issues getting a mortgage.

Some of the main job roles in the NHS:

  • Nurses
  • Doctors
  • Dentists
  • Administration staff
  • Accounting and finance
  • Human resources
  • Ambulance drivers
  • Paramedics

Finding the right mortgage for NHS staff can vary depending on your occupation type and your exact job role.

Best mortgages for NHS staff

There are several different types of mortgage and the best loan for you will vary depending on your needs or circumstances.

The best mortgages for NHS staff can be the same as any standard worker or job role, so there are lots of options. People working in the NHS may require different types of mortgage because of how they work or where they work.

Some potential differences for NHS staff includes:

  • Portable mortgages because you might need to relocate for your job
  • Fixed rate mortgages to give you more security and remove any financial stress
  • Professional workers sometimes get different treatment because their employment is likely to be secure with an increasing salary
  • Fees free mortgages might be more suitable because you might not have surplus income to pay high fees

You might also be able to get special mortgage rates and terms as an NHS worker because of your profession.

Mortgage advice for NHS staff

It is sometimes difficult to find the right mortgage advisor or broker when you are applying for mortgages for NHS staff.

Mortgage advice for NHS staff can be even more confusing because there are extra challenges to consider. There are literally thousands of mortgage advisors and brokers in the UK, so it’s important to find the right person or company for you.

Some of the top reasons why a mortgage advisor may be better for NHS staff:

1)   Experience: they will have dealt with a number of mortgage applications previously for a range of NHS workers

2)   Lenders: it is also important to be able to get the best mortgage rates and deals from the most suitable lenders. A good panel of lenders will mean that you’ll have a greater chance of getting a mortgage faster and save money

3)   Fees: most mortgage advisors will charge a fee for their services as well as lender fees, so you can save money by dealing with an NHS specialist

4)   NHS deals: there are also specialist deals and rates that can be available to NHS workers that certain advisors will be aware of and others not

You should always check with your chosen mortgage advisor to see whether they have the relevant experience and expertise to help you properly.

Mortgage deals for NHS staff

An NHS mortgage deal is not an individual or stand alone product so there isn’t a specific ‘NHS mortgage’.

It is however true that there are certain lenders that will offer preferential rates and deals for NHS workers. This is mainly due to a lender offering more suitable and even better rates for certain NHS staff.

Some mortgage advisors or brokers may suggest that there are specific ‘NHS mortgages’ but this isn’t actually the case.

Mortgage discount for NHS staff

When you apply for a mortgage as a current member of NHS staff or even for ex-NHS employees, some lenders may offer discounts. These discounts are not available through all mortgage advisors so you need to choose yours wisely and ask the right questions.

An example might be when you buy a property through a government scheme such as the ‘affordable housing scheme’ which can include reduction in deposit amounts and lower fees for a period of time.

Mortgages for NHS workers with bad credit

There are many reasons why someone may have bad credit regardless of their occupation or where they work.

Bad credit comes in many different forms and levels depending on your situation or reasons for getting a poor credit history. As an NHS worker you are just as likely to suffer from credit issues as anyone, so it’s important to get the right advice.

Some of the key areas of bad credit mortgages:

We’ll help you to understand your options and find the right deal for you based on your history and situation.

For more information on finding a great mortgage for NHS staff with a poor credit history CLICK HERE.

Best mortgage lenders for NHS staff

You can apply for a mortgage with just over 100 mortgage lenders in the UK, which can make finding the right mortgage confusing sometimes.

We have a panel of over 50 of the biggest and best lenders in the country so we can search thousands of mortgage products and deals for NHS staff. Our fully qualified mortgage experts will help you to find the right mortgage for you based on all your circumstances.

Our mortgage lenders for NHS staff include:

  • Accord Mortgages
  • Barclays
  • BM Solutions
  • Halifax
  • HSBC
  • Nationwide
  • Natwest
  • The Nottingham
  • Santander
  • Skipton Building Society
  • And more…

Our experts will help to find the right lender for you based on:

  • Type of mortgage
  • Mortgage deal
  • Credit history
  • Income and income structure
  • Loan to Value (LTV)

Speak to a specialist mortgage broker such as us. We’ll take the stress and hassle out of getting the best deal from our panel of top lenders.

Who can have NHS staff mortgages?

An NHS mortgage is specifically designed for people who are employed with a permanent contract as a member of ‘clinical staff’ within areas of the NHS, such as:

  • Ambulance trust
  • Dental practice (NHS status)
  • GP surgeries
  • Health protection agency
  • Mental healthcare and social care trusts
  • National blood transfusion services
  • Primary care trust
  • Other trusts in the NHS

For more specialised information check our pages on mortgages for DOCTORS, NURSES and DENTISTS.

Mortgage for key worker NHS

For any of the services stated above, the government under current rules would classify you as a key worker. NHS mortgages for key workers have been covered under previous ‘key worker mortgage schemes’.

Unfortunately the key worker mortgage scheme came to an end towards the end of 2021 at the end of the global pandemic. There are other schemes that are still available to NHS staff that provide support and discounts.

Schemes include:

Some of the incentives will include smaller deposits, lower interest rates and various other discounts.

Types of mortgages for NHS staff

There are several main types of mortgage that you can have as a member of staff working for the NHS. This is not specific just to NHS staff as there are no NHS mortgages, however there may be elements that are unique to your occupation or income.

Some of the main mortgage types are:

Your mortgage will be dependent on what type of loan that you need and why you are borrowing money.

Mortgage specialists for NHS staff

As a member of staff within the NHS, we understand that your time is particularly precious and how important great service will be. We can help you get your foot onto the property ladder quickly and hassle free.

There are also lots of challenges when applying for a mortgage as an NHS worker, which is an area where we specialise. There is nothing worse than paying more than you should or wasting your time on bad advice.

You will need someone that understands exactly what you need and how mortgages work for medical staff. NHS mortgage advice is one of our specialities.

essential MORTGAGES is authorised and regulated by the financial conduct authority, meaning your mortgage is safe in the hands of our expert independent advisors.

Useful resources

Gov.uk – Affordable home ownership schemes

Gov.uk – Help to Buy: Equity Loan

Citizen’s Advice – Buying a home

Own Your Home (Gov.uk) – Help to own your home

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